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AS DelfinGroup results for Q2 2022
Emitents DelfinGroup, AS (iepriekšējais nosaukums - ExpressCredit, SIA) (2138002PKHUJIMVMYB13)
Veids 2.2. Iekšējā informācija
Valoda EN
Statuss Publicēts
Datums 2022-07-06 09:00:12
Versijas komentārs

The 1st half of 2022 was the most successful period for AS DelfinGroup in loan issuance and  sale of pre-owned goods throughout the company's history. Significant growth in issuance has also continued in the consumer lending segment, where volumes grew by 90% in the 2nd quarter of this year and by 83% in the first six months, compared to the corresponding periods of the previous year.

The lifting of Covid-19 restrictions starting from 1 April 2022  has positively impacted the pawn loan segment, which in the 2nd quarter of this year already exceeded the pre-pandemic volumes. During the Q2 of 2022, the company issued 5 million euros in new pawn loans, which is a 65% increase against Q2 of 2021. In addition, in the first six months of this year, pawnshop loans were issued by 49% more than in  last year's corresponding period.

Stable growth is also observed in the segment of sale of pre-owned goods, where in the Q2 the sales volume increased by 29%, and in the year's first half by 19%, reaching 5.4 million euros.















Consumer loan issuance (‘000 EUR)

15 360

8 065


26 873

14 713


Pawn loan issuance  (‘000 EUR)

5 047

3 058


8 689

5 841


Total loan issuance   (‘000 EUR)

20 407

11 123


35 562

20 554


Sale of pre-owned goods (‘000 EUR)

2 885

2 241


5 397

4 550



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About AS DelfinGroup

AS DelfinGroup is a licenced technology-based financial services company that was established in 2009 and operates under the brand names Banknote and VIZIA. The company continuously develops and offers consumer and pawn loans, loans developed for senior citizens, Buy now pay later loans (BNPL loans), as well as sale of pre-owned goods both online and at more than 90 branches across Latvia. On average, 35 thousand loans are issued every month and serviced by the professional team of more than 300 AS DelfinGroup employees. The company has a total of over 400,000 registered customers. Since 2014, AS DelfinGroup has been known on the Nasdaq Riga Stock Exchange as a bond issuer and since 2021 as a share issuer on the Baltic Main List. The company’s IPO in 2021 attracted almost 6000 new shareholders. The company regularly pays dividends to its shareholders. In 2021, the company's net loan portfolio grew to EUR 43 million, while its EBITDA reached EUR 10.2 million, with profits before income tax for dividends EUR 5.2 million. The company’s sustainability is based on focused corporate governance, fintech innovation, responsible lending, financial inclusion, and facilitating the circular economy. The company has been profitable every year since 2010.

         For further information, please contact:
         Aldis Umblejs
         AS DelfinGroup Chief Financial Officer
         Phone.: +371 26189988
         E-mail: IR@delfingroup.lv